yeah conor, I don't think a single db per user will work, even if you get the permissions management right, there's just too strong a case for separating different global permission islands. I'm at 3.
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you can make multiple databases via an undocumented feature, for different purposes. I have one for ribbonarm/writing stuff generally which I may share with a few people, one for personal stuff which I'll share with wife, and one for my fiction stuff which I may make public.

